听力原文：W: With the convenience of bankcards, more and more people prefer bankcards to personal checks.

M: I agree. People like bankcards because they offer greater safety and convenience than personal checks.

Q: What can be inferred from the conversation?

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   Write a bank letter according to the following requirements.

  美国纽约的ABC银行在你行(DEF银行)开设了人民币账户。过去的账户余额按5%计年息，从2008年10月1日期将按5.5%计算，透支额按6%计。

  请按标准格式，代表你行会计部主任向对方发一公函，告知上述变动，并提醒对方：在你行开设的人民币账户一般不可透支，要求对方无论何时都要保有贷方余额，出现透支时，随即予以补上。

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